Bilansi uspjeha - Raiffeisen Bank

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Finansijski izvještaji Napomene uz finansijske izvještaje 31. decembar 2005. i 2004. godine (Svi iznosi izraženi su u hiljadama KM) 12. UMANJENJA VRIJEDNOSTI I REZERVISANJA 116 www.raiffeisenbank.ba 2005. 2004. Plasmani kod drugih banaka (3) 16 Dati krediti i potraživanja 20.122 18.743 Kupljeni krediti držani do dospijeća (132) 608 Materijalna sredstva (38) 1.068 Kapitalna ulaganja (388) (1.173) Ostale aktiva 113 96 Rezervisanja 6.216 3.144 Ukupno 25.890 22.502 13. POREZ NA DOBIT 2005. 2004. Dobit prije poreza na dobit 24.229 21.146 Porezno nepriznati rashodi i prihodi koji se ne oporezuju 9.392 3.778 Porezna osnovica 33.621 24.924 Obaveza poreza na dobit od 30% 10.086 7.477 Porezna oslobođenja (10.086) (7.477) Obaveza poreza na dobit - - Porezna obaveza Banke izračunava se na temelju računovodstvene dobiti, uzimajući u obzir porezno nepriznate troškove i neoporezive prihode. Stopa poreza na dobit za godine koje su završile 31. decembra 2005. i 2004. bila je 30%. U skladu sa fiskalnim propisima porezno oslobođenje od poreza na dobit je zasnovano na planiranim ulaganjima u stalna sredstva u narednoj godini. Porezna oslobođenja na ulaganja u materijalnu imovinu su kontinuirana. 14. NOVAC I SREDSTVA KOD BANKE 2005. 2004. Novac u blagajni u domaćoj valuti 27.597 17.923 Novac u blagajni u stranoj valuti 17.055 19.639 Žiro račun u domaćoj valuti kod Centralne banke 29.048 101.102 Potraživanja od banaka u stranoj valuti 16.328 10.262 Čekovi u stranoj valuti 92 85 Ukupno 90.120 149.011
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 12. IMPAIRMENT LOSSES AND PROVISIONS 2005 2004 Placements with banks (3) 16 Loans and receivables 20,122 18,743 Purchased loans (132) 608 Fixed assets (38) 1,068 Equity investments (388) (1,173) Other assets 113 96 Provisions 6,216 3,144 Total 25,890 22,502 13. INCOME TAX 2005 2004 Profit before income tax 24,229 21,146 Non-deductible expenses and taxable income relieves 9,392 3,778 Taxable income 33,621 24,924 Income tax liability of 30% 10,086 7,477 Income tax exemption (10,086) (7,477) Income tax liability - - Tax liability is based on accounting income taking into the account non-deductible expenses and non-taxable income. Tax income rate for the years ended 31 December 2005 and 2004 was 30%. According to the fiscal legislation, the Bank’s exemption from income tax is based on planned investments in fixed assets in the next year. Income tax exemp- tions for investments in fixed assets are available on continuous basis. 14. CASH AND DUE FROM BANKS 2005 2004 Cash on hand in domestic currency 27,597 17,923 Cash on hand in foreign currency 17,055 19,639 Current account in domestic currency with the Cen- tral Bank 29,048 101,102 Correspondent accounts with banks in foreign currency 16,328 10,262 Checks in foreign currency 92 85 Total 90,120 149,011 Financial statement www.raiffeisenbank.ba 117
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Pregled ključnih podataka Survey o
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Sadržaj Contents Izvještaj predsj
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www.raiffeisenbank.ba 5
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Report by the President of the Supe
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Introduction by Chief Executive Off
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Macroeconomic Aggregates Macroecono
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Macroeconomic Aggregates Financial
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The RZB Group and Raiffeisen Intern
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Raiffeisen BANK d.d. Bosnia and Her
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Vision Raiffeisen BANK d.d. Bosnia
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Nadzorni odbor Supervisory Board Up
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Corporate Banking Division Corporat
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Retail Division Retail Savings Comp
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Cards Business Growth in issuing ca
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SME segment SME market BiH market i
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Treasury and Financial Market Divis
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Finance and Accounting Division Ope
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Central Processing Division In an e
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Domestic payments During 2005, numb
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Balance Sheet As of 31. December 20
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Statements of Income For the years
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Petogodišnja usporedba finansijski
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Ukupna aktiva Total assets EUR 000
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Operativni rezultati Poslovanje Ban
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Usporedba troškova poslovanja i uk
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Izvori finansiranja Funds sources U
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Krediti preduzećima Loans to compa
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Depoziti komitenata Customer deposi
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Page 69 and 70: www.raiffeisenbank.ba 67
Page 73 and 74: Adresar Addresses and contacts Raif
Page 75 and 76: Slovakia Tatra banka, a.s. Hodžovo
Page 77 and 78: alph.zeitlberger@rba-belgrade.raiff
Page 79 and 80: Phone: (+43-1) 71 707-1588 Fax: (+4
Page 81 and 82: Poland Raiffeisen Investment Polska
Page 85 and 86: Responsibility for Financial Report
Page 87 and 88: INDEPENDENT AUDITORS’ REPORT To t
Page 89 and 90: Income Statements For the years end
Page 91 and 92: Balance Sheets as at 31 December 20
Page 93 and 94: Statements of cash flows For the ye
Page 95 and 96: Statements of changes in shareholde
Page 97 and 98: Notes to the financial statements 3
Page 117: Notes to the financial statements 3
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